Confidential Carrier File · American Life & Security Corp.
American Life carrier profile
American Life & Security Corp. is recorded with an A.M. Best rating of B++ (Good) in the AnnuityScore carrier network. A Nebraska-domiciled subsidiary of Midwest Holding, it issues guaranteed and indexed contracts, and reviews weigh declared rates against carrier strength.
Last updated 2026-08-15
A.M. Best rating
B++
Good
Issuing entity
American Life & Security Corp.
Headquarters
Lincoln, Nebraska
Subsidiary of Midwest Holding Inc.
Annuity lines
- Multi-year guaranteed annuities
- Fixed indexed annuities
Who American Life is in the annuity market
American Life & Security Corp. writes annuities from Lincoln, Nebraska as a subsidiary of Midwest Holding Inc. It is a smaller issuer that competes primarily on declared rates in the multi-year guaranteed category, where contract mechanics are simple and the review turns on rate, term, and carrier strength.
- —Multi-year guaranteed contracts with declared rates
- —Nebraska domicile under Midwest Holding Inc.
- —B++ rating, in the secure range below the A categories
Simple contracts, explicit trade-off
A guaranteed-rate contract has few moving parts. When the issuer sits below the A categories, the trade-off between rate and rating is the review, and it should be stated plainly rather than buried.
Maturity discipline still applies
As with any guaranteed contract, the maturity window is where value is won or lost. Diarise the date and know the renewal rate before it arrives.
What to check on a American Life contract
- —The maturity date and the length of the renewal window
- —Your state guaranty association limit versus the contract value
- —The declared renewal rate against current market rates
- —Any market value adjustment on early withdrawal
Questions owners ask
- What is American Life & Security's A.M. Best rating?
- American Life & Security Corp. is recorded in the AnnuityScore carrier network with an A.M. Best financial strength rating of B++ (Good).
- Who is the issuing entity?
- The issuing entity is American Life & Security Corp., a subsidiary of Midwest Holding Inc., domiciled in Nebraska.
Related reading
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Educational content only. AnnuityScore is not affiliated with, endorsed by, or acting on behalf of American Life & Security Corp.. Company and product names are the trademarks of their respective owners. The A.M. Best rating shown is as recorded in the AnnuityScore carrier network on 2026-08-15 and is subject to change; A.M. Best is the authoritative source. Contract features vary by state, issue date and product version — your contract governs. Nothing on this page is a recommendation or a solicitation.